When deciding to underwrite your application, an insurance company can take a number of options.

Insurers will most often exclude the pre-existing condition from the plan, meaning they will not cover the cost of treatment for the condition or any related conditions.

If an insurer places a loading on your plan, they will cover the costs of treatment for the 'pre-existing condition', but your annual premium will rise. 

If an insurer places a moratorium (a waiting period) on your 'pre-existing contion', it will usually be for two years. As long as you don't have any treatment or recurrences during this time, the insurer will consider adding coverage for your pre-existing condition in your plan. 

If you want to know more about whether your pre-existing conditions will be covered under a certain health insurance plan, you can contact one of our professional insurance advisors.